What is personal accident insurance (PAI) primarily used for?

Personal accident insurance (PAI) is specifically designed to cover bodily injury sustained by the renter in case of an accident while using a vehicle, such as during a car rental. This type of insurance provides compensation for medical expenses, accidental death, and dismemberment as a result of incidents that occur while driving the rental car. It is particularly beneficial because standard car insurance policies may not fully cover personal injuries to the driver.

The other options do not align with the specific purpose of PAI. For example, property damage during car rental is typically covered by rental car insurance or collision damage waiver (CDW) rather than PAI. Home accidents are usually addressed by standard homeowners or renters insurance. Health insurance while traveling is generally a separate travel health insurance line and is not covered by PAI. Thus, the focus of PAI on bodily injury directly correlates with its intended use.